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Catchy title, huh?  But, in this case it is simply that…a title aimed at getting attention.  I have noticed, however, an increasing trend when it comes to personal finance blogs and many comments posted on such blogs, which inspired my choice of words.  You see, there are a great many blogs and articles dedicated to what people call “frugal living” and a great deal that also promote the “cash-only” lifestyle and it seems that many of the messages regarding these lifestyle choices are being interpreted (by me at least) almost like gospel.  It often times feels like authors and commentators are saying something to the effect of “This is what works for me, and what I believe, so you should too”.

Anyone who has, or will read my blog in the future can see that I am not a part of either of the aforementioned camps.  In fact, I do tend to take a hard line stance on certain subjects such as personal accountability and the benefits of credit, but never have I taken shots at anyone simply because their views differ from my own.  I prefer to take a more objective approach and kindly disagree while providing my reasons. A perfect example would be my post entitled Credit Is Not the Enemy, You Are! in which I argue the benefits of using credit as a tool.  I do not even once belittle or denigrate those who choose to live without credit, while still enforcing my point that those who misuse it have no one to blame but themselves.

I guess it is my background in accounting and financial advising that allows me to understand that being constructive with criticism is more useful that flat-out dismissing someone else’s viewpoints even if they conflict with my own.  I prefer to educate others on different matters rather than force my views upon them.  Maybe it is because many other bloggers are not in the field in which they write about, that they do not see their writings as preaching their own personal gospel on financial matters.  Or, perhaps like religion or politics, they feel so strongly about something that works for them and believe in, they cannot see any other viewpoint objectively.

I will reference another of my posts, Financial advice is not a one size fits all proposition, which more closely matches the message that I am trying to convey here.  Financial advice is not something that can be applied to all people in all situations.  What works for one person or family may or may not work for another, even if the situations appear similar.  Everyone has to decide what works best for them, and although it may go against what another feels is right, should not be shot down on the simple basis of ideological differences.  Granted, one may have a very compelling case for disagreeing, but without backing it up intellectually and thoughtfully, such an argument can be interpreted as being a put down or an attack.

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There are two people whose blogs I do reading very much because they are able to strike an accord and see things from differing standpoints.  J.D. Roth from Get Rich Slowly specifically states this point in an addendum to a guest post entitled Three Reasons Cash is King as he writes:

I know that GRS readers are divided between the “cash only” and the “wise use of credit” camps. I believe both have their merits. Though I’ve elected to join the “wise use of credit” folks, I support those who opt for a cash-only lifestyle.

NCN from No Credit Needed has similar remarks in a post titled Top 10 Ways To Save Money – Number 3 – Avoid Paying Credit Card Interest where he writes:

Now, there are those who will reject my idea of paying cash and they will extol the virtues of credit cards, with low interest rates, and the power of using other people’s money

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.  Hey, I’m cool.  If others want to borrow money, that’s fine by me…I am very open to the idea that I am wrong, and I know that many of my personal finance blogging brothers and sisters love their credit cards, but I’m just not going to use them.

If only everyone could be so open-minded to varying views on any number of subjects, it would be much easier to read many of the blogs that are out there for the world to discover.  One additional note: I did not mention any specific posters or bloggers whom I found to fall into the context of this post because I prefer to focus on and promote positive people.

This entry was posted on Tuesday, December 2nd, 2008 at 12:52 am and is filed under general. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.